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Course5(ApplicationofBasicActuarialPrinciples)StudyNote

来源：精算师    发布时间：2012-02-04    精算师辅导视频    评论

  • Basic Principles of Risk Classification
    1. Explain anti-selection.
    2. Evaluate the risk classification factors used for:
      1. Life Insurance (Individual, Group)
        • Explain the relative value of specific factors.
        • Identify the effect of a specific set of factors.
        • Evaluate the cost/benefit of gathering certain criteria.
      2. Health (Individual, Group, Government sponsored)
        • Explain the relative value of specific factors.
        • Identify the effect of a specific set of factors.
        • Identify the effect of regulation on gathering information.
        • Evaluate the cost/benefit of gathering certain criteria.
      3. Retirement plans (Individual annuities, Employer sponsored, Government sponsored)
        • Explain why certain factors are necessary and their relative value.
        • Identify the effect of a specific set of factors.
        • Identify the effect of regulation on gathering information.
        • Evaluate the cost/benefit of gathering certain criteria.
      4. Property and Casualty insurance
        • Explain the relative value of specific factors.
        • Identify the effect of a specific set of factors.
        • Evaluate the cost/benefit of gathering certain criteria.
      5. Non-traditional
        • Explain the relative value of specific factors.
        • Identify the effect of a specific set of factors.
    3. Determine the methods of gathering necessary information.
      1. Compare the effectiveness of various gathering techniques.
      2. Identify which techniques are better given a specific situation.
    4. Analyze the effect of risk classification on the design process.
      1. Identify how risk classification affects product design.
      2. Identify how risk classification affects distribution.
  • Basic Principles of Pricing/Ratemaking/Funding
    1. Describe the objectives for the various coverages.
    2. Evaluate the assumptions used in pricing.
      1. Claims (frequency and severity)
        • Decide what assumptions should be considered.
        • Explain the relative value of certain assumptions.
      2. Expenses/taxes
        • Decide what assumptions should be considered.
        • Explain the relative value of certain assumptions.
      3. Interest
        • Decide what assumptions should be considered.
        • Explain the relative value of certain assumptions.
      4. Decrements (lapse/termination, retirement, death, disability)
        • Decide what assumptions should be considered.
        • Explain the relative value of certain assumptions.
    3. Describe the major pricing/funding techniques/methods for:
      1. Life insurance (Individual, Group)
      2. Health (Individual, Group)
      3. Retirement Plans (Individual, Group)
      4. Property and Casualty insurance
    4. Evaluate the profit/surplus implications for pricing/funding.
      1. Life insurance (Individual, Group)
        • Describe methods of evaluating pricing.
        • Develop different types of profit/surplus measures.
      2. Health (Individual, Group)
        • Describe methods of evaluating pricing.
        • Develop different types of profit/surplus measures.
      3. Retirement Plans
        • Describe methods of evaluating cost/funding.
      4. Property and Casualty insurance

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